Hilt Tatum IV has served as CEO of iPoint Capital Partners, Panama City, since 2006. The company has over 1000 employees and has successfully established a group presence across various continents. Hilt Tatum IV also intends to build affordable homes in Panama through the Impact housing corporation, a real estate firm. Buying a home can be very expensive. However, by securing a mortgage, many people can afford a home purchase even if they can't pay with cash. Fixed-rate and adjustable-rate mortgages are the two major types of mortgages, and potential homebuyers often have to choose between both finance options. These mortgage types have unique qualities that can serve an individual's specific needs. The major difference between fixed-rate and adjustable-rate mortgages is the interest rate. Fixed-rate mortgages have a set interest rate throughout the loan, which could be a period of 15 to 30 years. This makes fixed-rate mortgages predictable and easy to budget. They are also simple to understand and can be ideal for first-time buyers. On the other hand, adjustable-rate mortgages (ARMs) do not have a fixed interest rate throughout the loan's lifetime. After the first few years, the interest rate changes periodically and may increase or decrease. The advantage of this loan option is that the interest payment is cheaper and allows budget flexibility. However, the changes in interest rates also mean that one's costs might become expensive and strain their budget. Also, ARMs are complex and might be difficult for new borrowers to understand.

1. Bio from Business
Oscar Hilt Tatum IV is a founding partner of iPoint Capital and serves as group
President. He is actively involved in spotting and analyzing new investment
opportunities as well as day-to-day operations of several portfolio companies,
where he also serves as a member of the board of directors. His primary focus is
on the alternative investment, private equity and venture capital branches of the
company.
Prior to iPoint, Oscar Hilt Tatum IV was co-founder of a technology company
whilst still in college. As COO he helped to grow the business to over 600
employees in 7 countries before selling to a private equity group in 2006. He has
since been directly involved with founding over 15 companies. Oscar Hilt Tatum IV
has led acquisitions and exits totaling close to USD$500 million, and has
actively worked on 6 continents.
Oscar Hilt Tatum IV studied international business at the University of Montana,
Eckerd College and the Institute for American Universities in Aix-en-Provence,
France. He has taken master classes in private equity at London Business School
and is a candidate for a postgraduate degree from the Said Business School,
University of Oxford.
Oscar Hilt Tatum IV spends his time between Panama, Europe and Asia. Along with
his wife, Sarah, and their two daughters, he serves as a member of their local
church and with several local charities, including Project Joy Panama for which
they are the benefactors. On weekends he can be found on the nearest golf course
trying to eliminate three putts.